With the development of banking technology, new opportunities are emerging. About ten years ago it was possible to replenish the account only through the cashier. Today, lending institutions provide their customers with a host of other options. In this case, the type of plastic carrier and the type of payment system does not matter. About, how to put money on a Sberbank card through the terminal, cash desk, ATM, you will learn from this article.
Abundance of options
Depending on the purpose, location of the client and the availability of free time, Sberbank offers the following options for replenishing the account: through the terminal (quickly, but with a commission), at the cash desk (you have to wait in line), using the online service (on a computer or via smartphone). Let us consider in more detail some of them.
How to put money on a Sberbank card through the terminal: instructions
This method of replenishing an account is very popular because:
- Devices can be found outside banks.
- They are easy to recognize by the presence of emblems of payment systems on the screen.
- These are multifunctional devices through which you can pay for a large number of services.
Before you study the instructions on how to deposit money on a Sberbank card through the terminal, you must prepare bills. The devices charge a commission of 1-3% of the amount and do not give change.
Sequencing:
- Select the payment system on the main screen.
- Enter phone number.
- How to put money on a Sberbank card through the terminal by card number? It is enough at the next stage to enter 16 digits on the front side of the plastic carrier. A message about restrictions appears on the screen. The monthly limit for this transaction is 60 thousand rubles, but not more than 15 thousand rubles. in one operation.
- Check data.
- Insert bills into the machine.
- See the amount of replenishment and the size of the commission. Confirm transfer.
- Pick up the check.
Here's how to put money on a Sberbank card through the terminal. The step-by-step instructions presented above describe in detail each step of the operation. The process itself takes no more than a minute. Upon completion, the owner’s phone receives a message about the increase in balance.
How to deposit money to a Sberbank card through a terminal without a card if the recipient is a third party? The above way. You can carry out the operation even without a payment instrument on hand. It is enough to indicate the account number of the recipient.
Can I put money on a Sberbank card through an ATM?
Yes, but first you need to find the nearest branch of a credit institution. Their list with addresses is presented on the official website. Not all ATMs are equipped with money receiving devices. Therefore, bill acceptors are placed in a separate filter group on the search page. You should also prepare money in advance for this operation so as not to make a mistake with the amount of funds credited.
Account replenishment algorithm: insert a payment instrument - enter PIN - "Cash Operations" - "Receive money". Next, the device is checked. At the end of the process, a message appears on the screen saying that it is time to transfer funds, and instructions on how to insert bills (one or all of the bundle at once). A few seconds will take the recount. If after opening the device remains banknotes, then you need to repeat the process again. Some old machines do not accept 1000 rubles. After recounting, the recharge amount will be displayed on the screen. You need to click "Next". At this point, the process of crediting funds will be completed.The device prints a receipt that confirms the transaction.
Alternative methods
How else can I quickly replenish my account, except how to deposit money on a Sberbank card through the terminal? Take advantage of Internet technology. Through online banking, you can only debit money from a debit card. Algorithm of actions: go to "My Account" on the site page - "Transactions" - "Transfer" - select the account to be debited - enter the payment method number of the recipient - indicate the amount - confirm the operation.
Smartphone owners can use special applications. The program can be used as a self-service terminal. To access the application, you will need a login from the site and a 5-digit security code.
Online Service Features
- Make a transfer from / to an account opened with any credit organization in the Russian Federation.
- Make deposits at high interest rates in foreign or domestic currency.
- Repay loans quickly.
- Make payments to the budget, state funds, transfer money to legal entities.
- Block operations.
- Create / modify / delete automatic payments for loans and utility bills.
- Receive an account statement.
- View balance.
- Open compulsory medical insurance.
- Conduct operations with precious metals.
Increase security
The Central Bank of the Russian Federation issued a decree on new requirements for remote operations by customers. Now, credit organizations must register users' devices through which they log in to mobile applications or the “Personal Account” on the site. It is prohibited to conduct financial transactions using devices that are not in the registry. Moreover, if the client has lost the old number, then he will not be able to receive a message with a one-time password to enter the site.
Based on the application, the credit institution provides access to remote operations, registers a list of devices through which transactions will be carried out, and the maximum transfer amount for a limited amount of time. To identify the device, the following data will be used:
- phone number;
- MAC
- SIM card number;
- IP address
The disadvantages of the method:
- IMEI is easy to fake.
- Many users regularly change IP (mobile Internet can be used on the road, and Wi-Fi at home and in the office).
It will be easier for legal entities to work. For registration in the system you need only a static IP address.
Technology implementation
Similar schemes are already in use. If the client loses access to the device, then the standard algorithm of actions is applied: you need to contact the bank, report what happened and block access to operations with old parameters. After that, you need to register new data.
Experts believe that this technology will cause a lot of difficulties for customers and bank employees. You will have to perform too many actions to regain access to the system. In addition, individuals are not required to inform the bank about a change in phone number. It is also impossible to obtain this information legally from operators. Banks, in turn, cannot send SMS with a confirmation code to unregistered phone numbers. Therefore, problems will arise in people who often travel abroad and change SIM cards.
Conclusion
There are many ways to deposit money on a Sberbank card: through a terminal, ATM, cash desk. If you do not want to stand in line in the department, you can use a special machine. The terminals are located in shopping centers and other public places, which is very convenient. The operation itself will take less than a minute, but the intermediary will have to pay a commission of 1-3%. You can also use online banking. But, according to a new decree of the Central Bank of the Russian Federation, in order to gain access to the service, you will first have to register the device (telephone, computer) from which the system will be logged in.